Financial & Legal Information

Advance Directives, DNR, & POLST


Creating End-of-Life Documents for Trans-Individuals - Discusses specific considerations that should be discussed and included in end-of-life documents for a transgender person.

Do Not Resuscitate Order & Physician Orders for Life-Sustaining Treatment - Explains the similarities and differences between these end-of-life care documents.

Getting Your Affairs in Order Checklist - Tells which documents are needed and explains how to go about planning for end-of-life estate and financial needs.

Health & Financial Decisions Autonomy - Legal tools for preserving your personal autonomy.

Healthcare Advance Planning Toolkit - Self-help worksheets, suggestions, and resources to help you discover, clarify, and communicate what is important to you in the face of serious illness.

Mental Health Advance Directive - Information and forms that allow a mental health patient to make their choices known in the event that their mental illness makes them unable to make decisions.

PA Order for Life Sustaining Treatment - An introduction and copy of the POLST form.

PA Order for Life Sustaining Treatment Critical Facts - Explains appropriate use of the POLST form.

Understanding Advance Directives - Provides information and forms to create a Durable Health Care Power of Attorney & healthcare treatment instructions for end-stage medical conditions.


Banking & Insurance


5 Steps for Making Financial Decisions - How to find the best deal when buying a financial product.

ABLE Account Information -Gives individuals with disabilities the opportunity to establish a savings account while maintaining their SSI & Medical Assistance benefits eligibility.

Federal Trade Commission - The nation's consumer protection agency. This site authorizes an online source for an annual free credit report under federal law.

Free Credit Reports - Where to get and monitor your free credit report without being scammed.

Moving a Bank Account - Tips for comparing fees and how to change the account from one bank to another.

Overdraft Options - Steps to reduce or eliminate paying overdraft fees.

Pennsylvania Insurance Department - Objective information for making important insurance decisions.

Selecting Financial Products - Guide to understanding different types of products that can meet specific goals or needs and where to get them.

Understanding Money Transfers - Federal law protects consumers who send remittance transfers which includes most electronic money transfers sent to recipients in other countries.


Debt Relief & Spending


Analyze Your Spending - Use this worksheet to create your own personal rule to live by that will help you meet your spending goals.

Developing a Plan to Become Debt-Free - How to choose and work with a Credit Counselor to become debt-free.

Gift Cards - Know the terms and avoid surprises when you give or receive a gift card.

Your Rights When a Debt Collector Calls - Learn how to speak with and assert your rights against an overly aggressive debt collector.


Financial Abuse


Reporting Financial Abuse of Someone Living in a Care Facility - Know who to contact for a proper investigation.

Stopping Financial Abuse - Steps you can take to help avoid being a victim of financial abuse.


Financial Planning


Choosing a Financial Advisor - How to find a senior financial advisor who will work for your best interest. 

Financial Empowerment Toolkit - Your Money, Your Goals financial empowerment program.

Financial Planning Worksheet - Fill-in-the-blanks to set and commit to a financial goal.

Money Goals for People with Disabilities - Works in conjunction with the Financial Empowerment Toolkit: Your Money, Your Goals with adaptations for those who may be physically or mentally disabled.

Planning for Diminished Capacity & Illness - How to plan for the possibility of diminished capacity leaving you unable to properly handle your finances.

U.S. Financial Literacy and Education Commission - Financial education resources for all Americans.


Guardians, Trustees, & POAs


Court-Appointed Guardian Guide -  A guide to help you understand what you can and cannot do in your role of court-appointed Guardian.

Manual for Guardians of Incapacitated Persons - An official manual of duties, responsibilities, and obligations of a person under court-appointed guardianship.

Options When Considering a Financial Caregiver - Help in choosing the type of financial caregiver that works best for your situation.

Power of Attorney Guide - A guide to help you understand what you can and cannot do in your role of managing money or property for someone else.

Trustee Under a Revocable Living Trust Guide - A guide to help you understand what you can and cannot do in your role as Trustee over someone else's estate.

Legal Assistance


Application for Civil Legal Assistance - online application for Legal Aid

Modest Means Legal Program - This program helps low-income families find affordable legal assistance in the areas of family and criminal law. Participating attorneys have agreed to charge reduced rates to clients in this program.  Eligibility is based upon type of legal matter, household income, asset level, and attorney availability.  There is a $25 application processing fee.

Pennsylvania Health Law Project (PHLP) - nationally recognized expert and consultant on access to health care for low-income consumers, the elderly, and persons with disabilities.

Pennsylvania Law Help Organization - provides legal information and legal services to Pennsylvania residents.

Pennsylvania Senior Law Helpline - This program is a free and confidential telephone service, staffed by attorneys providing legal information, advice, and referrals to PA residents age 60 and older.  Open Monday thru Thursday, 10 am - 12 pm.  Attorneys will answer as they are able.  Callers may leave messages during call hours only.  877-727-7529


Mortgage, Home Equity Loans, & Avoiding Foreclosure


Avoiding Foreclosure - Advice on where and how to apply for help against foreclosure.

Home Equity Line of Credit - Explore and understand your options when borrowing against the equity in your home.

How to Spot Foreclosure Relief Scams - Learn the warning signs used to scam people behind on the mortgage.

Mortgage Servicer Rules - Information on the rules that mortgage servicers must follow when dealing with consumers.

Refinancing Your Mortgage - Questions to help you think about whether refinancing is a good financial move for you.


Other Types of Loans


Auto Loan Comparison Worksheet - Helps in determining the true cost of your auto loan when buying a vehicle.

Auto Loan Shopping - How to budget, factor in costs, and understand your choices for auto financing.

Family Lending & Borrowing Worksheet - How to create clear expectations and understanding when lending to or borrowing from a family member.


Pensions & Social Security


Pension Lump Sum Payouts - A guide for consumers considering their retirement payout options from a private-sector plan.

Social Security - Social Security news and related information.


Public Assistance


How to Use Your Electronic Benefits Transfer (EBT) Card - This brochure shows you how to access your public assistance benefits using your EBT card.

Public Assistance COMPASS - Information on how to apply for or renew your public assistance benefits.

Public Assistance COMPASS Mobile App - myCOMPASS PA serves as a single access point for your benefits.  This brochure shows you how to use the app.


Reverse Mortgages


Reverse Mortgage Consideration - A brief summary on reverse mortgages (Home Equity Conversion Mortgages, HECM) from the Consumer Financial Consumer Protection Bureau.

Reverse Mortgage Discussion Guide - An overview of key concepts of reverse mortgages (HECM) from the Consumer Financial Protection Bureau.

Reverse Mortgage Rights - A guide to your legal rights and responsibilities if you have a reverse mortgage (HECM)  from the Consumer Financial Protection Bureau.

Understanding Reverse Mortgages - A brochure on the basics of reverse mortgages (HECM) from the PA Dept. of Banking & Securities.


Taxes


AARP Income Tax Preparation - AARP provides free assistance with filling out tax forms during income tax season.  This service runs February through April. Tax counselors are available at locations throughout York County,  You must make an appointment.  For information go to: https://yorkcountypa.gov/1131/AARP-Tax-Aide-Program

Manage Your Tax Refund - How to save and use your refund to your advantage.

Property Tax or Rent Rebate - A rebate program for those age 65+ years, widow(er)s age 50+, or age 18+ and permanently disabled.  You must meet financial eligibility guidelines with some income exclusions.

Tax Appointment Checklist - Things to bring when going to an income tax preparation appointment.